ResolvePay vs Capchase vs Balance Payments: B2B Payment Platforms Compared (2026)

Resolve is the strongest choice for mid-market B2B suppliers who need non-recourse net terms financing with full AR automation. Capchase is purpose-built for SaaS and software companies that need to finance multi-year contracts. Balance Payments excels at powering B2B ecommerce checkout experiences with embedded financing and marketplace support. All three B2B payment platforms solve the same core problem — B2B buyers expect payment terms, but sellers cannot afford to wait 30 to 90 days to get paid. According to 2026 research on B2B payments, the average DSO for mid-market B2B companies exceeds 45 days, creating significant working capital pressure. In this ResolvePay vs Capchase vs Balance Payments comparison, we break down each platform's approach to closing that gap so you can decide which B2B net terms financing solution fits your business.

Key Takeaways

• Non-Recourse Financing: Resolve provides 100% non-recourse protection, meaning sellers keep their funds even if the buyer defaults on payment
• Pricing Transparency: Resolve publicly shares example non-recourse pricing for common net-terms scenarios, giving finance teams a clearer starting point for ROI modeling than many competitors
• AR Automation: Resolve offers end-to-end AI-driven invoicing, collections, and credit monitoring, reducing manual AR effort by up to 90%
• SaaS/Software Deal Financing: Capchase is purpose-built for multi-year software contracts up to 5 years, with CRM-embedded workflows that fit the SaaS sales process
• International Coverage: Capchase operates in 9 countries across North America and Europe, giving SaaS vendors cross-border financing capabilities
• CRM Integration Depth: Capchase offers native Salesforce and HubSpot apps embedded directly in sales workflows for seamless deal financing
• B2B Checkout UX: Balance delivers an end-to-end checkout experience with dynamic payment optimization that reduces processing costs
• Marketplace Support: Balance's partnerships with Alibaba.com and Shopware demonstrate proven marketplace-scale payment infrastructure
• Multi-Currency Support: Balance handles 20+ currencies with built-in FX reconciliation for global B2B ecommerce
• ERP Integration: Resolve provides direct integrations with QuickBooks Online, NetSuite, and other accounting, ERP, and ecommerce platforms, plus flexible API support
• Credit Decision Speed: Resolve's AI underwriting delivers credit decisions in seconds, enabling real-time buyer approval during the sales process
• Buyer Self-Service Portal: All three platforms offer buyer-facing portals with varying depth and functionality

Quick Overview

Resolve

Resolve is a B2B commerce platform that lets suppliers offer net 30, 45, or 60-day payment terms to their buyers while getting paid upfront within one to two business days. Founded in 2019 by former Affirm executives and backed by Insight Partners, Resolve uses an AI-powered credit engine to underwrite buyers in seconds and assumes 100% of the credit risk through non-recourse financing.

The platform also automates the full accounts receivable workflow — credit checks, invoicing, collections, and reconciliation — reducing manual AR effort by up to 90%. More than 15,000 businesses across wholesale, distribution, ecommerce, and construction rely on Resolve to shrink DSO and accelerate cash flow. According to Forbes' B2B fintech analysis, platforms like Resolve represent the next generation of embedded B2B financing.

Capchase

Capchase Pay is a B2B payment and financing solution designed specifically for software and hardware companies. The platform lets SaaS vendors offer flexible payment terms — from net 0 to net 180, with monthly, quarterly, or annual billing — while collecting the total contract value upfront, even on multi-year deals up to five years.

Capchase has provided over $2.5 billion in financing and has strong user reviews on G2, where its product page shows a 4.5/5 rating based on 41 reviews. The platform integrates directly into Salesforce and HubSpot, and its AI feature auto-generates payment links from quotes and order forms. Capchase operates across nine countries including the US, Canada, UK, and several European markets.

Balance Payments

Balance Payments provides financial infrastructure for B2B commerce, focusing on the checkout experience. The platform unifies multiple payment methods — ACH, credit cards, and wires — into a single checkout flow with embedded net terms financing and self-serve invoicing.

Backed by Y Combinator, Balance has secured partnerships with Alibaba.com and Shopware to power B2B payments at marketplace scale. Its Dynamic Optimization Engine personalizes payment method incentives (ACH rebates, card surcharges) to reduce costs without hurting conversion. Balance supports 20-plus currencies and integrates with major ecommerce platforms including Adobe Commerce, Shopify, BigCommerce, and Salesforce Commerce.

How Each Platform Approaches B2B Payments

Understanding the fundamental philosophy behind each platform helps clarify which one fits your specific business model. These three solutions serve different segments of the B2B market with distinct operational approaches.

Resolve: Financing-First AR Automation for Suppliers

Resolve starts with the recognition that B2B suppliers need both immediate cash flow and automated receivables management. The platform wraps non-recourse financing around every approved transaction, paying sellers within one to two business days while assuming all credit risk.

Beyond financing, Resolve automates the full AR lifecycle. The Smart Credit Engine evaluates buyers in seconds using AI-driven models that go beyond traditional credit reports. Once a buyer is approved, the platform handles invoicing, payment reminders, collections, and reconciliation automatically. The branded buyer portal maintains the seller's identity throughout the payment experience.

This combination of financing and automation addresses two pain points simultaneously — sellers get paid immediately and eliminate the manual work of managing receivables. For mid-market suppliers, this means the finance team can focus on strategic activities rather than chasing payments and reconciling accounts.

Capchase: SaaS-Native Contract Financing

Capchase approaches B2B payments through the lens of software sales. SaaS deals often involve annual or multi-year contracts with complex billing structures — monthly payments, quarterly installments, annual prepayments, and mid-contract upsells. Capchase's platform is designed to handle this complexity natively.

The CRM-embedded workflow is particularly valuable for SaaS sales teams. Rather than switching between platforms, reps can generate financing offers directly from Salesforce or HubSpot. The AI feature can auto-generate payment links from quotes and order forms, reducing the friction between closing a deal and getting paid.

Capchase's international coverage across nine countries supports the global nature of SaaS sales, where vendors in the US frequently sell to buyers in the UK, Germany, and other European markets.

Balance: Checkout-First B2B Commerce Infrastructure

Balance takes a checkout-first approach, treating the payment experience as a critical conversion point in B2B ecommerce. The platform unifies multiple payment methods into a single, optimized flow that adapts based on buyer preferences and cost optimization.

The Dynamic Optimization Engine is Balance's technical differentiator. By analyzing buyer behavior and payment method costs, it can steer transactions toward lower-cost methods (like ACH) while maintaining or improving conversion rates. This algorithmic approach to payment routing is common in B2C commerce but still rare in B2B.

Balance's marketplace capabilities are especially relevant for platforms connecting multiple buyers and sellers. The Alibaba.com and Shopware partnerships demonstrate the platform's ability to handle complex multi-party payment flows at scale.

ResolvePay vs Capchase vs Balance Payments: Feature-by-Feature Comparison

ResolvePay vs Capchase vs Balance Payments: Pricing Comparison

Resolve offers more upfront pricing clarity than the other two platforms, with example non-recourse rates published for common net-terms scenarios and custom pricing available for broader implementations. Capchase's fees range from 5% to 12% depending on deal size and contract length — the higher fees reflect the platform's ability to finance total contract value on multi-year SaaS deals, which changes the ROI calculation. Balance's pricing is available through sales consultation.

For B2B suppliers shipping physical goods on net 30 terms, Resolve's pricing represents an estimated 37% lower cost than comparable financing options. For SaaS companies financing annual or multi-year contracts, Capchase's fee structure reflects the longer payment window and higher deal complexity. According to Investopedia's guide to invoice financing, transparent fee structures help businesses accurately model the cost of financing into their pricing strategy.

Platform Strengths

Resolve Strengths

• 100% non-recourse financing eliminates bad debt risk entirely; you keep the advance even if the buyer never pays
• Transparent flat-fee pricing with competitive non-recourse rates makes cost predictable and easy to model into margins
• Full AR automation handles credit checks, invoicing, collections, and reconciliation — saving 14+ hours of manual AR work per week
• AI credit decisions in seconds means you can approve new buyers during the sales conversation, not days later
• Broad accounting, ERP, and ecommerce integrations help keep financial data synced and reduce manual entry
• Proven scale with 15,000+ businesses using the platform across wholesale, distribution, and ecommerce
• Branded buyer portal preserves your company identity throughout the payment experience
• 300+ APIs enable deep customization for any tech stack or workflow

Capchase Strengths

• Purpose-built for SaaS with features like multi-year contract financing and CRM-embedded workflows that software companies actually need
• Up to 5-year deal financing lets vendors collect total contract value upfront on long-term agreements
• International reach across 9 countries covers North America and major European markets
• Strong user review profile on G2, alongside $2.5B+ in financing provided
• Salesforce and HubSpot native apps embed financing directly into the sales process, reducing workflow friction
• 24-hour setup removes friction from getting started
• AI-powered payment link generation automatically creates financing offers from quotes and order forms

Balance Payments Strengths

• Best-in-class B2B checkout unifies ACH, cards, and wires into a clean, buyer-friendly flow
• Dynamic Optimization Engine reduces payment processing costs by incentivizing lower-cost methods without hurting conversion
• 20+ currency support makes it the strongest option for global B2B ecommerce operations
• Marketplace-proven with partnerships including Alibaba.com and Shopware demonstrating scale
• Y Combinator backing signals strong technology foundation and investor confidence
• Broad ecommerce platform coverage with native integrations for Adobe Commerce, Shopify, BigCommerce, and more
• Self-serve buyer portal reduces AR overhead by enabling buyers to manage their own invoices and payments

Who Should Choose Resolve

Resolve is the best fit if your business matches most of these criteria:

• You sell physical goods on net terms — wholesale, distribution, manufacturing, or construction supply companies that need to offer 30, 45, or 60-day payment terms to close deals. This includes industries like building materials, food and beverage, industrial equipment, and consumer goods wholesale.
• Cash flow is the bottleneck — you cannot afford to wait 30 to 90 days for payment, and you want 100% of the invoice value advanced within one to two business days.
• You want zero bad debt risk — Resolve's non-recourse model means you keep the funds no matter what happens with the buyer. This protection eliminates the need for credit insurance or bad debt reserves.
• Your AR team is stretched thin — the AI-powered automation handles credit checks, invoicing, collections, and reconciliation, reducing manual effort by up to 90%. This is especially valuable for companies with lean finance teams.
• You run on an ERP — native integrations with QuickBooks, NetSuite, and Oracle eliminate double data entry and keep financial records in sync automatically.
• You sell primarily in the US market — Resolve's deepest coverage and fastest underwriting serve domestic B2B transactions
• Transparent pricing matters — you want to know exactly what you will pay before signing anything, unlike traditional factoring

See how Resolve works →

Who Should Choose Capchase

Capchase is the better pick if your business looks like this:

• You sell software or SaaS — Capchase is built from the ground up for technology companies selling annual and multi-year subscriptions. The platform understands SaaS metrics like ARR, NRR, and contract expansion.
• You need to finance multi-year contracts — if your deals span two to five years and you want total contract value paid upfront, Capchase handles this natively. This is particularly valuable for enterprise SaaS companies with large ACV deals.
• Your sales team lives in Salesforce or HubSpot — the embedded CRM apps mean financing happens inside the tools your reps already use, not in a separate platform. This reduces context switching and accelerates deal velocity.
• You sell internationally — with coverage across nine countries in North America and Europe, Capchase supports cross-border SaaS deals. The multi-currency payment methods (BACS, SEPA, Autogiro, PAD) handle local payment preferences.
• Deal flexibility matters more than transaction cost — the 5-12% fee is higher, but the ability to finance complex deal structures (upsells, renewals, mid-contract changes) justifies it for high-ACV software sales
• You want established social proof — G2's number-one B2B BNPL ranking and $2.5B+ in financing provide confidence in the platform's reliability

Who Should Choose Balance Payments

Balance is the right choice if your priorities align with these:

• B2B ecommerce checkout is your primary use case — you run an online store or marketplace and need a payment experience that handles the complexity of B2B transactions (POs, net terms, multiple payment methods). Balance's checkout optimization directly improves conversion rates.
• You operate a marketplace or platform — Balance's Alibaba.com and Shopware partnerships prove it can handle multi-seller, multi-buyer payment flows. This is essential for B2B marketplaces processing transactions between multiple parties.
• You sell globally in multiple currencies — with 20-plus currency support, Balance eliminates the complexity of FX reconciliation. This is the strongest multi-currency capability among the three platforms.
• Payment cost optimization is a priority — the Dynamic Optimization Engine actively steers buyers toward lower-cost payment methods, reducing your processing expenses while maintaining conversion rates
• You use Adobe Commerce, BigCommerce, or Salesforce Commerce — Balance offers the deepest native ecommerce checkout integrations among the three platforms
• You want a self-serve buyer experience — Balance reduces AR overhead by letting buyers manage their own invoices, payments, and terms through a self-serve portal. According to Digital Commerce 360, buyer self-service is one of the top-requested features in B2B ecommerce.

Final Verdict

After this full ResolvePay vs Capchase vs Balance Payments comparison, the right platform depends on what you sell and how you sell it.

For mid-market B2B suppliers selling physical goods and needing net terms financing with full AR automation, Resolve is the clear recommendation. The combination of 100% non-recourse financing, AI-powered credit decisions in seconds, transparent pricing, and deep ERP integrations makes it the most complete solution for companies that want to offer net terms without straining cash flow. The fact that 15,000+ businesses already trust the platform — and that it was built by the same team behind consumer fintech leaders like Affirm — adds meaningful credibility.

For SaaS and software companies, Capchase is purpose-built for the way technology deals close. Multi-year contract financing, CRM-embedded workflows, and international coverage make it the natural choice for vendors selling annual or multi-year subscriptions across borders.

For B2B ecommerce businesses and marketplaces, Balance Payments delivers the strongest checkout experience with dynamic payment optimization and broad platform integrations. Its marketplace partnerships and multi-currency support make it well-suited for global digital commerce.

Most B2B suppliers evaluating these three B2B BNPL platforms will find that Resolve covers the widest range of needs — from credit underwriting and B2B net terms financing to AR automation and ERP sync — with the most transparent pricing and the deepest track record.

Get started with Resolve →

Frequently Asked Questions 

What is the main difference between ResolvePay, Capchase, and Balance Payments?

Resolve provides non-recourse net terms financing with full AR automation for B2B suppliers selling physical goods. Capchase finances multi-year SaaS contracts and collects total contract value upfront for software companies. Balance Payments focuses on the B2B ecommerce checkout experience, unifying multiple payment methods with embedded financing. Each platform targets a different segment of the B2B market with specialized capabilities.

Which platform offers the lowest fees for net terms financing?

Resolve offers competitive non-recourse pricing that is publicly listed. Capchase charges 5-12% but finances longer-term software contracts (up to five years), which changes the cost calculation. Balance's pricing is available through sales consultation. According to Investopedia's invoice financing guide, comparing fees requires accounting for the specific terms and risk structures of each platform.

Does ResolvePay work with my ERP system?

Yes. Resolve integrates natively with QuickBooks Online, NetSuite, and Oracle, providing bi-directional data sync that automates reconciliation and reduces manual entry. Capchase offers CSV/Excel exports and accounting system connections. Balance provides API access for custom integrations with any ERP system.

Can I use Capchase for non-software B2B transactions?

Capchase is designed specifically for software and hardware companies. The platform's underwriting, deal structures, and CRM integrations are optimized for SaaS-style transactions with recurring revenue. If you sell physical goods, wholesale products, or non-software services, Resolve or Balance would be more appropriate options for your business model.

Which platform is best for international B2B transactions?

For multi-currency ecommerce, Balance supports 20-plus currencies with built-in FX handling, making it the strongest option for global B2B commerce. For international SaaS deals, Capchase operates across nine countries in North America and Europe with localized payment methods. Resolve currently focuses primarily on the US market, making it the strongest choice for domestic B2B transactions.

How fast can I get paid with each platform?

Resolve advances up to 100% of the invoice value within one to two business days after buyer approval. Capchase pays total contract value within 24 hours of deal close. Balance's funding timeline varies by merchant agreement and payment method. All three platforms deliver significantly faster payment than traditional B2B payment terms.

Is non-recourse financing available on all three platforms?

Resolve offers 100% non-recourse financing as a core feature — you keep the advance even if the buyer defaults. Balance offers receivables purchasing where it assumes credit risk on approved buyers. Capchase's risk model varies by deal structure. The practical impact varies — Resolve's standard non-recourse protection provides the most predictable risk transfer for sellers.

Which platform has the best customer reviews?

Capchase has a strong review profile on G2, where its product page shows a 4.5/5 rating based on 41 reviews. Resolve has strong reviews on G2 and Capterra with particular praise for customer support and ease of use. Balance has a growing review presence, with existing users highlighting the speed of turning purchase orders into cash. Checking TrustRadius for additional verified reviews is recommended when evaluating any B2B payment platform.

This post is to be used for informational purposes only and does not constitute formal legal, business, or tax advice. Each person should consult his or her own attorney, business advisor, or tax advisor with respect to matters referenced in this post. Resolve assumes no liability for actions taken in reliance upon the information contained herein.